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Community Financial System CBU Finance Lease Liabilities

Finance Lease Liabilities at other companies

Arrow Financial logo
Arrow FinancialAROW
$4.89M-1.7%
CTB
Community Trust BancorpCTBI
$4.49M+30.4%
CNB Financial logo
CNB FinancialCCNE
$18M-0.5%

Other financials

Income statement

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Revenue$223.2M+12.0%
Net income$61.3M+19.5%
EPS (diluted)$1.16+19.6%

Balance sheet

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Cash & equivalents$258.2M+8.8%
Total debt$598.0M+4.1%
Total equity$2.1B+10.1%
Total assets$17.8B+6.6%

Cash flow

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Operating cash flow$51.1M-4.9%
CapEx$9.7M-44.1%
Free cash flow$41.4M+13.7%

Valuation

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Market cap$3.44B+22.3%
Enterprise value$3.78B+20.0%
P/E15.1×+0.6×
P/S+0.4×

Profitability

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Net margin26.6%+1.6pp
FCF margin28.7%+3.3pp

Returns & leverage

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Return on equity11.5%+0.6pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Community Financial System in its filing.

Tagged under the XBRL concept us-gaap:FinanceLeaseLiability.

The source filing: Community Financial System’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 4:48 PM EST
Fiscal year
FY2025
Accession
0001104659-26-021651
(000’s omitted)20252024
Securities sold under agreement to repurchase, short-term$$231,163261,553
Overnight borrowings0118,000
FHLB borrowings, includes discount of $52 and $102, respectively450,439610,645
Finance leases8,3318,667
Total borrowings$$689,933998,865

Item 8. Financial Statements and Supplementary Data

FAQ

What is Community Financial System's finance lease liabilities?
Community Financial System (CBU) reported finance lease liabilities of $8.33M in Q4 2025.
What does finance lease liabilities mean?
Present value of future payments on leases classified as finance leases under ASC 842 — treated similarly to debt on the balance sheet.

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